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<!-- Generated by DFIN XBRL Schema Document - http://www.dfinsolutions.com/ - on 18-06-2026 08:05:42 PM -->
<!-- Copyright(c) 2026 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
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	<import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
	<import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
	<import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
	<import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/>
	<import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
	<import namespace="http://xbrl.sec.gov/cef/2025" schemaLocation="https://xbrl.sec.gov/cef/2025/cef-2025.xsd"/>
	<import namespace="http://xbrl.sec.gov/cef-pre/2025" schemaLocation="https://xbrl.sec.gov/cef/2025/cef-2025_pre.xsd"/>
	<import namespace="http://xbrl.sec.gov/fnd-cef-pre/2025" schemaLocation="https://xbrl.sec.gov/fnd/2025/fnd-cef-2025_pre.xsd"/>
	<element name="ClassSSharesMember" id="jcmf_ClassSSharesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="ClassASharesMember" id="jcmf_ClassASharesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="ClassISharesMember" id="jcmf_ClassISharesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="YouWouldPayTheFollowingExpensesOnA1000ClassASharesInvestmentAssumingA5AnnualReturnMember" id="jcmf_YouWouldPayTheFollowingExpensesOnA1000ClassASharesInvestmentAssumingA5AnnualReturnMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="YouWouldPayTheFollowingExpensesOnA1000ClassSSharesInvestmentAssumingA5AnnualReturnMember" id="jcmf_YouWouldPayTheFollowingExpensesOnA1000ClassSSharesInvestmentAssumingA5AnnualReturnMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="YouWouldPayTheFollowingExpensesOnA1000ClassISharesInvestmentAssumingA5AnnualReturnMember" id="jcmf_YouWouldPayTheFollowingExpensesOnA1000ClassISharesInvestmentAssumingA5AnnualReturnMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="YouWouldPayTheFollowingExpensesOnA25000ClassSSharesInvestmentAssumingA5AnnualReturnMember" id="jcmf_YouWouldPayTheFollowingExpensesOnA25000ClassSSharesInvestmentAssumingA5AnnualReturnMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="YouWouldPayTheFollowingExpensesOnA25000ClassASharesInvestmentAssumingA5AnnualReturnMember" id="jcmf_YouWouldPayTheFollowingExpensesOnA25000ClassASharesInvestmentAssumingA5AnnualReturnMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="YouWouldPayTheFollowingExpensesOnA25000ClassISharesInvestmentAssumingA5AnnualReturnMember" id="jcmf_YouWouldPayTheFollowingExpensesOnA25000ClassISharesInvestmentAssumingA5AnnualReturnMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="RisksOfInvestingInCreditInvestmentsMember" id="jcmf_RisksOfInvestingInCreditInvestmentsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="GeneralRisksOfInvestingInTheFundMember" id="jcmf_GeneralRisksOfInvestingInTheFundMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="OtherInvestmentRisksMember" id="jcmf_OtherInvestmentRisksMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
	<element name="OtherRisksMember" id="jcmf_OtherRisksMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration"/>
</schema>
